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the issue may very well not have occured on kobo's website. i work online and deal with a lot of online payment situations. a transaction may not go through - or may APPEAR to not go through - due to an issue with the user's internet connection or the bank's connection. if there's a third party biller, it could be an issue on their end, too. for that matter, it could be an issue with the programming or the cart software.
i only read through page 3, so someone else might have mentioned this already.
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